If you are trying to play online with this account, you will be unable to do so as you need a gold subscription in order to play against others online.
As far as the roster update, it is possible that you running into an EA restriction that does not allow any account under age 13 to access their servers. I don't play Madden so I can't really say for sure how those work.
Did this solve your problem?
Sorry this didn't help.
Great! Thanks for marking this as the answer.
How satisfied are you with this reply?
Thanks for your feedback, it helps us improve the site.